Abby Novel signed a handwritten note that read, "Glen Gallwitz 1/8/2002 loaned me $5,000 at 6% interest a total of $10,000.00." The note did not state a time for repayment. Novel used the funds to manufacture and market a patented jewelry display design. More than seven years after Novel had signed the note, Gallwitz filed a suit to recover the stated amount. Novel claimed that she did not have to pay because the note was not negotiable because it was incomplete. Is she correct? Why or why not?